About Us

Thank you for visiting our website. We are happy to assist you in finding a vehicle that suits your desires and financial needs. We offer quality vehicles that come with appropriate inspections, a temp tag and warranty options.

A portion of our vehicles are available for buy here pay here financing. The rest of our vehicles are available for cash only or outside lender financing options. Most of our cash only vehicles are offered at prices below what kelley blue book recommends. Our buy here pay here vehicles come with set down payments starting at $500 and set monthly payments of $250, with no interest for all of our customers. Our buy here pay here price is negotiable if our customer is paying with cash or using an outside lender.

We care about the vehicles we sell and the customers we serve. We do our best to sell vehicles that are good deals for our customer and the dealer. We look forward to the opportunity to be your go to dealership.

Arnold Auto Credit is proud to offer quality vehicles at fair prices. We provide a free warranty on all of our buy here pay here vehicles. We provide a free 30 day temp tag. You can make payments in person with cash, check or money order, through the mail or by phone with your credit card. All vehicles come with appropriate Missouri inspections and a mechanics check through. The staff of Arnold Auto Credit cares about selling vehicles that customers will be happy to own. Thanks for your interest.

We will need the following for buy here pay here financing:

Valid drivers license.

Proof of residence (utility bill preferred but any bill coming to your residence, must be local).

Proof of income (last paycheck stub or benefits award letter, employment qualification is must work full time and make at least $10 per hour).

Pre-set down payment (trade-ins are welcome).

Our completed application that includes 4 references.

Full coverage insurance while your financing.

We offer a variety of pre-set down payments and pre-set monthly payments of $250.

Finance

Some of our vehicles are available for cash only or by using an outside lender. Some of our vehicles are available for buy here pay her in house financing.

We will need the following for our vehicle that are available for buy here pay here financing:

Valid drivers license.

Proof of residence (utility bill preferred but any bill coming to your residence, must reside locally).

Proof of income (most recent paycheck stub or benefits award letter; our employment qualifications are customer must work full time and make at least $10 per hour).

Pre-set down payment (trade-ins are welcome).

Our completed application that includes 4 references.

Full coverage insurance while your financing.

We offer a variety of pre-set down payments starting at $500 and pre-set monthly payments of $250, with no interest for all our customers.

If you would like to use our primary outside lender source, One Main Financial (formerly Springleaf), please click on their button below. If you are interested in buy here pay here financing, please click on the credit application apply now button below. Thank you.

Warranty

With the purchase of any of our Buy Here Pay Here vehicles, we include a free 50/50 warranty. This means we will pay 50% and you will pay 50% of the parts and labor for your vehicle. This warranty includes all internally lubricated parts of the motor and transmission. The work, under this warranty, must be done by Gateway Automotive Repair and be within 30 days of the purchase of the vehicle or the first 1000 miles, whichever may come first.